Still the Waves

Spending decisions always require trade-offs. Economics is the study of scarcity. It is a Social Science. Value is determined at an individual and community level and can’t be reduced to numbers. That doesn’t stop people trying, but all the quantifying and modeling are, are attempts to simplify incredibly fuzzy comparisons, moods, desires, beliefs and relationships. One of the biggest obstacles to building Capital is that there are always things that shout and scream for attention. Often unplanned expenses that insist they are more important NOW than building a theoretical Engine. We are natural-born consumers, and the idea of becoming custodians fights with clear and present dangers. That is why Capital building starts with a Buffer. Something to still the financial waves. An Emergency Fund that can be repaired when the unexpected bites at it, so that the Engine can be built unmolested. Start with a Buffer. Start with space to breathe.